🏦Bank Scorer

FIRST UNITED BANK & TRUST

OAKLAND, MD · Supervised by FDIC

Est. 1900FDIC #4,857RSSD: FDIC-4857
Part ofFIRST UNITED CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.35%

Institution Profile

FDIC BankFind

Address

19 S 2nd St, OAKLAND, MD

County

Garrett County

Established

January 1, 1900

Total Assets

$2.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.0B

Total Deposits

$1.8B

Net Loans

$1.5B

Net Income

$7M

ROA

1.35%

ROE

13.14%

Risk-Based Capital

15.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

22

Branch Deposits

$1.6B

1-Year Change

0

5-year net change: -3 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 2000

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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